VA Loan Timeframe For Moving In

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VA loans typically require veterans occupy their new home within 60 days of closing. However, VA is flexible and permits longer than 60 days in some cases.

VA Allows Occupancy After 60 Days From Closing

VA’s home loan rules have flex regarding how fast veterans must move into a new primary residence. In fact, Veteran’s deployed away from home on active duty have 3 occupancy variances to choose from.

Unlike VA – FHA, Conventional, JUMBO and USDA home loans require buyer’s occupy a primary residence within 60 days of closing.  However, VA mortgage rules extend 3 different options to veteran’s relative to occupancy.

Veterans Do Not Have To Move Right In

VA home loans offer veterans 3 choices regarding how fast they must occupy a home.  They are:

  1. 60 Days: Veteran occupies home within 60 days of VA home loan closing
  2. 12 Months: Veteran occupies home within 12 months of VA loan closing with written proof of reason
  3. Spouse 60 Days: Veteran’s spouse occupies home within 60 days of VA loan closing (spouse must be on the loan)

These 3 options VA loan occupancy allowances give veterans and their families flexibility.


  1. I was just denied a VA Home Loan because I currently work as a Private Security Contractor and spend more than 6 months of the year overseas working. They tell me my home will be considered a second home and not my primary residence since I will only occupy it less that 6 months out of the year. Ive lived in this town my whole life, this house is 10 minutes from where ive lived for over 30yrs now, my whole family is in this town. How is it that im being punished for having a great job that pays me well and affords me the opportunity to finally pull the trigger and purchase my first home, I just cant wrap my head around this. Ive been doing research online and all the websites say the same thing “if you have a job that contains a good amount of travel and keeps you away from home, you need to have to things”
    1. The veteran must have a continuous history of residence in the community and 2. The veteran must not intent to occupy or establish residence in another location.
    Is that true? Is that all I need to do???
    I absolutely refuse to believe this is the reason im being disqualified for my VA Loan, there has to be something that can be done!

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